Top Cards With Outstanding 0% Intro APR — Interest free for up to 21 Months
Are you looking to save money on credit card interest? Whether you’re planning a big purchase or trying to pay down existing debt, 0% intro APR credit cards can be a game-changer. These 0 balance transfer and 0 interest credit cards offer a temporary break from interest payments, giving you time to focus on reducing your balance without the added burden of high rates. In this guide, we’ll explore the top cards with outstanding 0% intro APR and how they can help you take control of your finances.
Why Choose a 0% Intro APR Credit Card?
A credit card with a 0% intro APR can provide significant financial relief. Here’s why these cards are so popular:
- Save on Interest: You won’t pay any interest on purchases or balance transfers during the introductory period.
- Debt Management: Consolidate high-interest credit card debt into one manageable payment.
- Big Purchases: Finance major expenses like appliances, travel, or medical bills without accruing interest.
If these benefits sound appealing, read on to discover the best options available today.
What to Look for in a 0% Intro APR Credit Card
Before diving into the list of top cards, it’s important to know what to look for:
- Introductory Period: The longer the 0% APR period, the better. Some cards offer up to 21 months.
- Balance Transfer Fees: Look for free balance transfer credit cards or low fees.
- Ongoing APR: Check the regular APR after the intro period ends.
- Credit Limit: Consider high credit limit balance transfer cards if you’re consolidating significant debt.
Top Credit Cards with 0% Intro APR
1. Card A: Best for Balance Transfers
- Intro APR: 0% on balance transfers for 21 months
- Balance Transfer Fee: 3% (or $5, whichever is greater)
- Regular APR: 16.49% – 25.74% (variable)
- Why It’s Great: This card is ideal for those looking for a low interest transfer credit card with an extended introductory period.
2. Card B: Best for Purchases and Transfers
- Intro APR: 0% on purchases and balance transfers for 18 months
- Balance Transfer Fee: No fee for transfers within the first 60 days
- Regular APR: 14.99% – 24.99% (variable)
- Why It’s Great: It combines no balance transfer fees with a generous 0% APR period, making it a top free balance transfer credit card.
3. Card C: High Credit Limit Option
- Intro APR: 0% on balance transfers for 20 months
- Balance Transfer Fee: 5% (or $5, whichever is greater)
- Regular APR: 15.24% – 23.24% (variable)
- Why It’s Great: This is one of the high credit limit balance transfer cards for those consolidating large debts.
4. Card D: Best for Low Ongoing APR
- Intro APR: 0% on purchases and balance transfers for 15 months
- Balance Transfer Fee: 3% (or $5, whichever is greater)
- Regular APR: 12.99% – 22.99% (variable)
- Why It’s Great: It’s a low-interest transfer credit card with a competitive ongoing APR, perfect for long-term use.
Tips for Maximizing a 0% Intro APR Card
Here’s how to make the most of your 0% intro APR card:
- Pay Off the Balance: Aim to clear your balance before the introductory period ends to avoid high interest rates.
- Understand Fees: Look for the best balance transfer credit card with low fees or no fees.
- Track Deadlines: Mark the end date of the 0% APR period to avoid surprises.
- Use responsibly: Avoid overspending, as new purchases can add to your debt.
Frequently Asked Questions
1. What is a balance transfer credit card?
A balance transfer credit card allows you to move debt from one card to another, often with a 0% intro APR. Look for options like credit card balance transfer 0 APR to maximize savings.
2. Are there any risks with 0% APR cards?
The main risk is not paying off the balance before the intro period ends, which can lead to high interest rates.
3. How do I qualify for these cards?
Most cards require a good to excellent credit score (typically 670 or higher). Ensure you meet the eligibility criteria before applying.
Discover it® Cash Back
| Intro APR | Purchases: 0%, 15 months Balance Transfers: 0%, 15 months |
| Regular APR | 18.49% – 27.49% Variable APR *Rates as of December 12, 2024. |
| Rewards | 1% – 5% Cashback |
| Annual Fee | $0 |
| Welcome Offer | Discover will match all the cash back you’ve earned at the end of your first year.Rates & Fees |
| Credit Score | 670-850 |
Discover it® Cash Back Card Details
- INTRO OFFER: Unlimited Cashback Match exclusively for new Discover cardmembers! Discover will automatically match all the cash back you earn during your first year—no minimum spending and no cap on rewards. Turn $150 cash back into $300 effortlessly!
- Earn 5% cash back on everyday purchases at popular locations each quarter, such as grocery stores, restaurants, gas stations, and more—up to the quarterly maximum when you activate. Plus, enjoy unlimited 1% cash back on all other purchases!
- Redeem your rewards for cash at any time
- Apply, and you could get a decision in as little as 60 seconds. No annual fee.
- Start shopping and earning rewards instantly with our digital card—available to use before your physical card arrives, if eligible.
- Discover can help protect your personal information by removing it from select people-search sites that may sell your data. This service is free—activate it through the mobile app.
- Enjoy a 0% intro APR on purchases for 15 months. After that, a standard variable purchase APR of 18.49% to 27.49% applies, based on your creditworthiness. Rates are effective as of December 12, 2024.
- Terms and conditions apply.
The Discover it® Cash Back card offers an impressive 0% intro APR for 15 months on both purchases and balance transfers. This card stands out for its high cash back potential, especially for a card with no annual fee. Its standout feature is the Unlimited Cashback Match, where Discover automatically matches all the cash back new cardmembers earn at the end of their first year. For instance, if you earn $300 in cash back during your first year, Discover will match it, giving you a total of $600—all while enjoying a 0% intro APR for 15 months.
Capital One VentureOne Rewards Credit Card
| Intro APR | Purchases: 0% intro on purchases for 15 months Balance Transfers: 0% intro on balance transfers for 15 months (Balance Transfer Fee Applies) |
| Regular APR | 19.49% – 29.49% (Variable) |
| Rewards | 1.25X-5X miles |
| Annual Fee | $0 |
| Welcome Offer | 20,000 Miles. Rates & Fees |
| Credit Score | 670-850 |
Capital One VentureOne Rewards Credit Card Details
- $0 annual fee and no foreign transaction fees
- Earn a one-time bonus of 20,000 miles after spending $500 on purchases within the first 3 months, equal to $200 in travel
- Earn unlimited 1.25X miles on every purchase, every day
- Miles never expire for the life of the account, with no limit on how many you can earn
- Earn 5X miles on hotels and rental cars booked through Capital One Travel, with access to Capital One’s best prices on thousands of travel options
- Redeem miles to reimburse any travel purchase or book trips directly through Capital One Travel
- Transfer miles to over 15 travel loyalty programs for added flexibility
- Enjoy 0% intro APR on purchases and balance transfers for 15 months, then a variable APR of 19.49%–29.49% applies; balance transfer fees apply
This no-annual-fee card offers a generous 0% intro APR for 15 months on both purchases and balance transfers (balance transfer fee applies). What really sets it apart is the easy-to-earn sign-up bonus: earn 20,000 miles (equivalent to $200 in travel) after spending just $500 in the first 3 months—that’s like earning 40X miles on that spend! If you’re looking for a strong 0% intro APR, a straightforward travel rewards program, and a sign-up bonus with a low spending requirement, this card is an excellent choice.
Bank of America® Travel Rewards credit card
| Intro APR | Purchases: 0% Intro APR for 15 billing cycles for purchases Balance Transfers: 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days |
| Regular APR | 18.49% – 28.49% (Variable) |
| Rewards | 1.5 points per dollar |
| Annual Fee | $0 |
| Welcome Offer | 25,000 points |
| Credit Score | 670-850 |
Bank of America® Travel Rewards Credit Card Details
- Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees. Points never expire as long as your account remains open.
- Get 25,000 online bonus points after spending $1,000 in purchases within the first 90 days—redeemable for a $250 statement credit toward travel purchases.
- Book your travel however you prefer—no restrictions, blackout dates, or specific websites required.
- Redeem points for statement credits toward travel and dining purchases, including flights, hotels, car rentals, vacation packages, baggage fees, and restaurants (including takeout).
- Enjoy a 0% Intro APR for 15 billing cycles on purchases and balance transfers made within the first 60 days. After that, a variable APR of 18.49%–28.49% applies. Intro balance transfer fee: 3% for the first 60 days; after that, 4%.
- Bank of America Preferred Rewards® members can earn 25%-75% more points on every purchase, boosting rewards to 1.87–2.62 points per $1 spent.
- Benefit from contactless cards—enjoy the security of a chip card with the convenience of a tap.
- This exclusive online offer may not be available if you leave this page or visit a Bank of America financial center. Apply now to take advantage!
This card isn’t just a top-notch travel option—it’s also an outstanding choice for managing interest. It offers a rare combination of benefits, including a generous 0% Intro APR for 15 billing cycles on both purchases and balance transfers, unlimited 1.5X points on all purchases, and a substantial $250 welcome bonus that’s easy to earn. Best of all, it comes with no annual fee. Whether you travel occasionally or frequently, and you value a long 0% Intro APR period with no annual fee, this card is an excellent pick.
Discover it® Chrome
| Intro APR | Purchases: 0%, 6 months Balance Transfers: 0%, 18 months |
| Regular APR | 18.49% – 27.49% Variable APR *Rates as of December 12, 2024. |
| Rewards | 1% – 2% Cashback |
| Annual Fee | $0 |
| Welcome Offer | Discover will match all the cash back you’ve earned at the end of your first year. Rates & Fees |
| Credit Score | 670-850 |
Citi Simplicity® Card
| Intro APR | Purchases: 0%, 12 months on Purchases Balance Transfers: 0%, 21 months on Balance Transfers |
| Regular APR | 18.49% – 29.24% (Variable) |
| Rewards | N/A |
| Annual Fee | $0 |
| Welcome Offer | Long intro balance transfer APR. Rates & Fees |
| Credit Score | 670-850 |
Citi Simplicity® Card Details
- No Late Fees, No Penalty Rate, and No Annual Fee… Ever!
- Enjoy 0% Intro APR for 21 months on balance transfers from the date of the first transfer, and 0% Intro APR for 12 months on purchases from the date of account opening. After that, a variable APR of 18.49% – 29.24% will apply, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- A 3% intro balance transfer fee (minimum $5) applies to transfers made within the first 4 months. After that, the fee increases to 5% (minimum $5).
- Stay secure with Citi® Quick Lock.
Chase Freedom Unlimited®
| Intro APR | Purchases: 0% Intro APR on Purchases, 15 months Balance Transfers: 0% Intro APR on Balance Transfers, 15 months |
| Regular APR | 19.74% – 28.49% Variable |
| Rewards | 1.5% – 5% cash back |
| Annual Fee | $0 |
| Welcome Offer | Up to $300 cash back |
| Credit Score | 670-850 |
Blue Cash Preferred® Card from American Express
| Intro APR | Purchases: 0%, 12 months Balance Transfers: 0%, 12 months |
| Regular APR | 18.24%-29.24% Variable |
| Rewards | 1%-6% Cash Back |
| Annual Fee | $0 intro annual fee for the first year, then $95. |
| Welcome Offer | $250 |
| Credit Score | 670-850 |
Wells Fargo Reflect® Card
| Intro APR | Purchases: 0% intro APR, 21 months from account opening Balance Transfers: 0% intro APR, 21 months from account opening on qualifying balance transfers |
| Regular APR | 17.24%, 23.74%, or 28.99% Variable APR |
| Rewards | N/A |
| Annual Fee | $0 intro annual fee for the first year, then $95. |
| Welcome Offer | N/A Rates & Fees |
| Credit Score | 670-850 |
Chase Freedom Unlimited®
| Intro APR | Purchases: 0% Intro APR on Purchases, 15 months Balance Transfers: 0% Intro APR on Balance Transfers, 15 months |
| Regular APR | 19.74% – 28.49% Variable |
| Rewards | 1.5% – 5% cash back |
| Annual Fee | $0 |
| Welcome Offer | Up to $300 cash back |
| Credit Score | 670-850 |
Chase Freedom Unlimited® Card Details
INTRO OFFER: Earn an additional 1.5% cash back on every purchase (up to $20,000 spent in the first year)—that’s up to $300 in bonus cash back!
Cash Back Rewards:
- 6.5% cash back on travel booked through Chase Travel℠, our premier rewards program.
- 4.5% cash back on dining, including takeout and eligible delivery, and on drugstore purchases.
- 3% cash back on all other purchases (up to $20,000 spent in the first year).
After your first year or after reaching $20,000 in spending:
- 5% cash back on travel through Chase Travel℠.
- 3% cash back on dining and drugstore purchases.
- 1.5% unlimited cash back on all other purchases.
Easy Redemption:
- No minimums to redeem for cash back.
- Choose a statement credit or direct deposit into most U.S. checking and savings accounts.
- Cash back rewards never expire as long as your account is open!
Additional Benefits:
- 0% Intro APR for 15 months on purchases and balance transfers, then a variable APR of 19.74%–28.49% applies.
- No annual fee for all these great benefits.
- Stay on top of your credit health with Chase Credit Journey, which offers free credit score access, alerts, and more.
Wells Fargo Active Cash® Card
| Intro APR | Purchases: 0% intro APR, 12 months from account opening Balance Transfers: 0% intro APR, 12 months from account opening on qualifying balance transfers |
| Regular APR | 19.24%, 24.24%, or 29.24% Variable APR |
| Rewards | 2% cash rewards |
| Annual Fee | $0 |
| Welcome Offer | $200 cash rewards. Rates & Fees |
| Credit Score | 670-850 |
Wells Fargo Active Cash® Card Details
Welcome Offer: Earn a $200 cash rewards bonus after spending $500 on purchases in your first 3 months.
Cash Rewards:
- Enjoy unlimited 2% cash rewards on every purchase with no categories to track.
- Cash rewards never expire as long as your account remains open.
Introductory APR:
- 0% Intro APR for 12 months on purchases and qualifying balance transfers.
- After that, a variable APR of 19.24%, 24.24%, or 29.24% applies.
- Balance transfers made within 120 days qualify for the intro rate and a fee of 3% (then up to 5%, minimum $5).
Additional Perks:
- $0 annual fee—keep more of your rewards.
- Complimentary 24/7 Visa Signature® Concierge for access to top sports and entertainment events, travel bookings, dining reservations, and more.
- Cell phone protection up to $600 against damage or theft, subject to a $25 deductible.
Conclusion
0% intro APR credit cards are a powerful tool for saving money, managing debt, and achieving financial goals. Whether you’re looking for the best credit card on balance transfer or a card with a free balance transfer option, the choices above offer something for everyone.
Take the time to compare your options and select a card that aligns with your needs. Remember, the key to success is using these cards responsibly and paying off your balance within the promotional period.
Ready to take control of your finances? Explore these 0 balance transfer and 0 interest credit cards today and start saving! Share this article with friends who might benefit and help them discover the best deals too.
